zmiany

Dockerfile

@@ -1,4 +1,4 @@
-FROM python:3.12-slim
+FROM python:3.13-slim
 
 ENV PYTHONDONTWRITEBYTECODE=1 \
     PYTHONUNBUFFERED=1
@@ -16,4 +16,4 @@ COPY app ./app
 RUN mkdir -p /app/exports
 
 EXPOSE 8000
-CMD ["uvicorn", "app.main:app", "--host", "0.0.0.0", "--port", "8000"]
+CMD ["uvicorn", "app.main:app", "--host", "0.0.0.0", "--port", "8147"]

app/main.py

@@ -9,6 +9,7 @@ from datetime import datetime
 from pathlib import Path
 
 import httpx
+from io import BytesIO
 from bs4 import BeautifulSoup
 from fastapi import FastAPI, WebSocket, WebSocketDisconnect, Response
 from fastapi.responses import HTMLResponse, StreamingResponse, JSONResponse
@@ -21,6 +22,8 @@ from reportlab.pdfbase import pdfmetrics
 from reportlab.pdfbase.ttfonts import TTFont
 from reportlab.platypus import SimpleDocTemplate, Paragraph, Spacer, Table, TableStyle, PageBreak
 from reportlab.graphics.shapes import Drawing, Line, PolyLine, Rect, String, Wedge
+from openpyxl import load_workbook
+
 
 from .models import SimulationRequest
 from .simulator import simulate
@@ -94,39 +97,107 @@ async def ws_simulate(websocket: WebSocket):
     except Exception as exc:
         await websocket.send_json({"error": str(exc)})
 
-
 @app.get("/api/rate/nbp")
 async def nbp_rate():
-    """Pomocniczo pobiera stopę referencyjną NBP z oficjalnej strony HTML."""
+    """
-    url = "https://nbp.pl/en/monetary-policy/mpc-decisions/interest-rates/"
+    Pobiera średnie oprocentowanie nowych kredytów mieszkaniowych PLN z XLSX NBP.
-    try:
+    Uwaga: to nie jest stopa referencyjna NBP, tylko średnie oprocentowanie kredytów.
-        async with httpx.AsyncClient(timeout=10, follow_redirects=True) as client:
+    """
-            resp = await client.get(url, headers={"User-Agent": "mortgage-simulator/1.0"})
+    url = "https://static.nbp.pl/dane/statystyka/inne/stopy_proc_pl_srdW.xlsx"
-            resp.raise_for_status()
-        soup = BeautifulSoup(resp.text, "html.parser")
-        text = " ".join(soup.get_text(" ").split())
-        patterns = [
-            r"Reference rate[^0-9]{0,80}(\d+[\.,]\d+|\d+)\s*%",
-            r"minimum money market intervention rate[^0-9]{0,80}(\d+[\.,]\d+|\d+)\s*%",
-        ]
-        for pattern in patterns:
-            match = re.search(pattern, text, flags=re.IGNORECASE)
-            if match:
-                value = float(match.group(1).replace(",", "."))
-                return {"source": "NBP", "url": url, "rate": value, "fetched_at": datetime.utcnow().isoformat() + "Z"}
-        return JSONResponse({"error": "Nie znaleziono stopy w treści strony NBP", "url": url}, status_code=502)
-    except Exception as exc:
-        return JSONResponse({"error": str(exc), "url": url}, status_code=502)
 
+    try:
+        async with httpx.AsyncClient(timeout=20, follow_redirects=True) as client:
+            resp = await client.get(
+                url,
+                headers={
+                    "User-Agent": "Mozilla/5.0 mortgage-simulator/1.0",
+                    "Accept": "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet,*/*",
+                },
+            )
+            resp.raise_for_status()
+
+        wb = load_workbook(BytesIO(resp.content), data_only=True, read_only=True)
+        ws = wb["4 OPN2PLN"]
+
+        target_row = None
+
+        for row in ws.iter_rows():
+            values = [cell.value for cell in row]
+            joined = " ".join(str(v).lower() for v in values if v is not None)
+
+            if "nieruchomości mieszkaniowe" in joined or "nieruchomosci mieszkaniowe" in joined:
+                target_row = values
+                break
+
+        if not target_row:
+            return JSONResponse(
+                {
+                    "error": "Nie znaleziono wiersza: na nieruchomości mieszkaniowe",
+                    "url": url,
+                    "sheet": "4 OPN2PLN",
+                },
+                status_code=502,
+            )
+
+        # Daty są w wierszu 2, wartości w znalezionym wierszu.
+        dates = [cell.value for cell in ws[2]]
+
+        latest_rate = None
+        latest_date = None
+
+        for idx in range(len(target_row) - 1, -1, -1):
+            value = target_row[idx]
+
+            if isinstance(value, (int, float)):
+                latest_rate = float(value)
+                latest_date_cell = dates[idx] if idx < len(dates) else None
+
+                if isinstance(latest_date_cell, datetime):
+                    latest_date = latest_date_cell.date().isoformat()
+                elif latest_date_cell:
+                    latest_date = str(latest_date_cell)
+
+                break
+
+        if latest_rate is None:
+            return JSONResponse(
+                {
+                    "error": "Nie znaleziono wartości liczbowej oprocentowania kredytu mieszkaniowego",
+                    "url": url,
+                    "sheet": "4 OPN2PLN",
+                },
+                status_code=502,
+            )
+
+        # W XLSX wartości są jako ułamek, np. 0.0591 = 5.91%.
+        rate_percent = round(latest_rate * 100, 4)
+
+        return {
+            "source": "NBP",
+            "kind": "average_new_housing_loan_pln_rate",
+            "label": "Średnie oprocentowanie nowych kredytów mieszkaniowych PLN",
+            "url": url,
+            "sheet": "4 OPN2PLN",
+            "period": latest_date,
+            "rate": rate_percent,
+            "fetched_at": datetime.utcnow().isoformat() + "Z",
+        }
+
+    except Exception as exc:
+        return JSONResponse(
+            {"error": str(exc), "url": url},
+            status_code=502,
+        )
+        
 
 @app.post("/api/export/csv")
 def export_csv(req: SimulationRequest):
     result = simulate(req)
     buf = io.StringIO()
     writer = csv.writer(buf, delimiter=";")
-    writer.writerow(["miesiac", "oprocentowanie", "rata", "kapital", "odsetki", "nadplata", "saldo"])
+    writer.writerow(["miesiac", "data_splaty", "dni", "oprocentowanie", "rata", "kapital", "odsetki", "nadplata", "prowizja_nadplaty", "saldo", "karencja", "odsetki_narastajaco", "koszt_narastajaco", "nadplaty_narastajaco"])
     for row in result.schedule:
-        writer.writerow([row.month, row.rate, row.payment, row.principal_part, row.interest_part, row.overpayment, row.remaining])
+        writer.writerow([row.month, row.due_date, row.days, row.rate, row.payment, row.principal_part, row.interest_part, row.overpayment, row.overpayment_fee, row.remaining, row.grace_type.value, row.cumulative_interest, row.cumulative_cost, row.cumulative_overpayment])
     writer.writerow([])
     writer.writerow(["Podsumowanie"])
     for key, value in result.summary.model_dump().items():
@@ -278,6 +349,8 @@ def export_pdf(req: SimulationRequest):
         ["Stopa bazowa", _pct(req.base_rate), "Marza", _pct(req.margin)],
         ["Oprocentowanie startowe", _pct(req.base_rate + req.margin), "Typ rat", _installment_label(req.installment_type.value)],
         ["Efekt nadplat", _effect_label(req.overpayment_effect.value), "Liczba rat po symulacji", str(result.summary.months)],
+        ["Data startu", req.loan_start_date.isoformat(), "Dzien splaty", str(req.due_day)],
+        ["Przesuwaj dni wolne", "tak" if req.move_due_date_to_business_day else "nie", "Data konca", result.summary.payoff_date or "-"],
     ]
     story.append(Paragraph("Parametry wejściowe", styles["Heading2"]))
     story.append(Table(params, colWidths=[4.9 * cm, 3.4 * cm, 4.4 * cm, 3.9 * cm], style=TableStyle([
@@ -296,16 +369,17 @@ def export_pdf(req: SimulationRequest):
         ["Liczba rat", s.months, "Bazowo", s.baseline_months],
         ["Suma zaplacona", _money(s.total_paid), "Suma odsetek", _money(s.total_interest)],
         ["Oszczednosc na odsetkach", _money(s.interest_saved), "Skrocenie okresu", f"{s.months_saved} mies."],
-        ["Suma nadplat", _money(s.total_overpayment), "Srednia / maks. rata", f"{_money(s.average_payment)} / {_money(s.max_payment)}"],
+        ["Suma nadplat", _money(s.total_overpayment), "Prowizje nadplat", _money(s.total_overpayment_fees)],
+        ["Srednia / maks. rata", f"{_money(s.average_payment)} / {_money(s.max_payment)}", "Data splaty", s.payoff_date or "-"],
     ]
     story.append(Paragraph("Podsumowanie", styles["Heading2"]))
-    story.append(Table(summary, colWidths=[4.9 * cm, 3.4 * cm, 4.4 * cm, 3.9 * cm], style=TableStyle([
+    story.append(Table(summary, colWidths=[4.3 * cm, 4.25 * cm, 3.7 * cm, 4.35 * cm], style=TableStyle([
         ("GRID", (0, 0), (-1, -1), 0.25, colors.HexColor("#cbd5e1")),
         ("BACKGROUND", (0, 0), (-1, -1), colors.HexColor("#ffffff")),
         ("FONTNAME", (0, 0), (-1, -1), APP_FONT),
         ("FONTNAME", (0, 0), (0, -1), APP_FONT_BOLD),
         ("FONTNAME", (2, 0), (2, -1), APP_FONT_BOLD),
-        ("FONTSIZE", (0, 0), (-1, -1), 7.4),
+        ("FONTSIZE", (0, 0), (-1, -1), 7.0),
         ("VALIGN", (0, 0), (-1, -1), "TOP"),
     ])))
     story.append(Spacer(1, 0.35 * cm))
@@ -344,34 +418,61 @@ def export_pdf(req: SimulationRequest):
     story.append(Spacer(1, 0.35 * cm))
 
     story.append(Paragraph("Nadplaty", styles["Heading2"]))
-    over_rows = [["Miesiac", "Kwota", "Powtarzanie", "Do miesiaca"]]
+    over_rows = [["Miesiac", "Kwota", "Prowizja", "Powtarzanie", "Do miesiaca"]]
     if req.overpayments:
         for op in sorted(req.overpayments, key=lambda x: x.month):
-            over_rows.append([str(op.month), _money(op.amount), _repeat_label(op.repeat), str(op.until_month or "-")])
+            over_rows.append([str(op.month), _money(op.amount), _pct(op.commission_percent), _repeat_label(op.repeat), str(op.until_month or "-")])
     else:
-        over_rows.append(["-", "-", "-", "-"])
+        over_rows.append(["-", "-", "-", "-", "-"])
-    story.append(Table(over_rows, repeatRows=1, colWidths=[3 * cm, 4 * cm, 4 * cm, 4 * cm], style=TableStyle([
+    story.append(Table(over_rows, repeatRows=1, colWidths=[2.4 * cm, 3.4 * cm, 2.4 * cm, 3.4 * cm, 3.4 * cm], style=TableStyle([
         ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#e5e7eb")),
         ("GRID", (0, 0), (-1, -1), 0.25, colors.HexColor("#cbd5e1")),
         ("FONTNAME", (0, 0), (-1, -1), APP_FONT),
         ("FONTNAME", (0, 0), (-1, 0), APP_FONT_BOLD),
         ("FONTSIZE", (0, 0), (-1, -1), 8),
     ])))
+    story.append(Spacer(1, 0.35 * cm))
+
+    story.append(Paragraph("Kredyt historyczny", styles["Heading2"]))
+    hist_rows = [["Miesiac", "Oprocentowanie", "Karencja", "Nadplata", "Prowizja", "Opis"]]
+    if req.historical_months:
+        for item in sorted(req.historical_months, key=lambda x: x.month):
+            hist_rows.append([
+                str(item.month),
+                _pct(item.annual_rate) if item.annual_rate is not None else "-",
+                item.grace_type.value,
+                _money(item.overpayment),
+                _pct(item.overpayment_commission_percent),
+                item.note or "-",
+            ])
+    else:
+        hist_rows.append(["-", "-", "-", "-", "-", "-"])
+    story.append(Table(hist_rows, repeatRows=1, colWidths=[2 * cm, 2.6 * cm, 2.6 * cm, 2.8 * cm, 2.2 * cm, 4.5 * cm], style=TableStyle([
+        ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#e5e7eb")),
+        ("GRID", (0, 0), (-1, -1), 0.25, colors.HexColor("#cbd5e1")),
+        ("FONTNAME", (0, 0), (-1, -1), APP_FONT),
+        ("FONTNAME", (0, 0), (-1, 0), APP_FONT_BOLD),
+        ("FONTSIZE", (0, 0), (-1, -1), 7.5),
+    ])))
     story.append(PageBreak())
 
     story.append(Paragraph("Kompletny harmonogram wszystkich rat", styles["Heading2"]))
-    schedule_rows = [["Mies.", "Oproc.", "Rata", "Kapital", "Odsetki", "Nadplata", "Saldo"]]
+    schedule_rows = [["Mies.", "Data", "Dni", "Oproc.", "Rata", "Kapital", "Odsetki", "Nadplata", "Prow.", "Koszt nar.", "Saldo"]]
     for row in result.schedule:
         schedule_rows.append([
             row.month,
+            row.due_date,
+            row.days,
             _pct(row.rate),
             _money(row.payment),
             _money(row.principal_part),
             _money(row.interest_part),
             _money(row.overpayment),
+            _money(row.overpayment_fee),
+            _money(row.cumulative_cost),
             _money(row.remaining),
         ])
-    table = Table(schedule_rows, repeatRows=1, colWidths=[1.35 * cm, 1.7 * cm, 2.55 * cm, 2.55 * cm, 2.55 * cm, 2.55 * cm, 3.0 * cm])
+    table = Table(schedule_rows, repeatRows=1, colWidths=[0.9 * cm, 1.75 * cm, 0.75 * cm, 1.15 * cm, 1.85 * cm, 1.85 * cm, 1.85 * cm, 1.85 * cm, 1.5 * cm, 2.0 * cm, 2.05 * cm])
     table.setStyle(TableStyle([
         ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#e5e7eb")),
         ("TEXTCOLOR", (0, 0), (-1, 0), colors.HexColor("#111827")),

app/models.py

@@ -1,5 +1,6 @@
 from __future__ import annotations
 
+from datetime import date
 from enum import Enum
 from typing import Literal
 from pydantic import BaseModel, Field
@@ -15,6 +16,12 @@ class OverpaymentEffect(str, Enum):
     lower_payment = "lower_payment"
 
 
+class GraceType(str, Enum):
+    none = "none"
+    interest_only = "interest_only"
+    full = "full"
+
+
 class RateChange(BaseModel):
     month: int = Field(ge=1, description="Miesiac od startu kredytu")
     annual_rate: float = Field(ge=0, le=30, description="Roczne oprocentowanie procentowo")
@@ -25,6 +32,16 @@ class Overpayment(BaseModel):
     amount: float = Field(gt=0)
     repeat: Literal["once", "monthly", "yearly"] = "once"
     until_month: int | None = Field(default=None, ge=1)
+    commission_percent: float = Field(default=0, ge=0, le=20, description="Prowizja od nadplaty w procentach")
+
+
+class HistoricalMonth(BaseModel):
+    month: int = Field(ge=1)
+    annual_rate: float | None = Field(default=None, ge=0, le=30)
+    grace_type: GraceType = GraceType.none
+    overpayment: float = Field(default=0, ge=0)
+    overpayment_commission_percent: float = Field(default=0, ge=0, le=20)
+    note: str = ""
 
 
 class SimulationRequest(BaseModel):
@@ -34,18 +51,29 @@ class SimulationRequest(BaseModel):
     base_rate: float = Field(ge=0, le=30, default=5.75)
     installment_type: InstallmentType = InstallmentType.equal
     overpayment_effect: OverpaymentEffect = OverpaymentEffect.shorten
+    loan_start_date: date = Field(default_factory=date.today)
+    due_day: int = Field(default=5, ge=1, le=28, description="Dzien splaty raty")
+    move_due_date_to_business_day: bool = True
     rate_changes: list[RateChange] = Field(default_factory=list)
     overpayments: list[Overpayment] = Field(default_factory=list)
+    historical_months: list[HistoricalMonth] = Field(default_factory=list)
 
 
 class ScheduleRow(BaseModel):
     month: int
+    due_date: str
+    days: int
     rate: float
     payment: float
     principal_part: float
     interest_part: float
     overpayment: float
+    overpayment_fee: float
     remaining: float
+    grace_type: GraceType = GraceType.none
+    cumulative_interest: float
+    cumulative_cost: float
+    cumulative_overpayment: float
 
 
 class Summary(BaseModel):
@@ -53,12 +81,14 @@ class Summary(BaseModel):
     total_paid: float
     total_interest: float
     total_overpayment: float
+    total_overpayment_fees: float
     interest_saved: float
     months_saved: int
     baseline_interest: float
     baseline_months: int
     average_payment: float
     max_payment: float
+    payoff_date: str | None = None
 
 
 class SimulationResponse(BaseModel):

app/simulator.py

@@ -1,14 +1,94 @@
 from __future__ import annotations
 
+from datetime import date, timedelta
 from math import pow
-from .models import SimulationRequest, ScheduleRow, Summary, SimulationResponse, InstallmentType, OverpaymentEffect
+
+from .models import (
+    GraceType,
+    HistoricalMonth,
+    InstallmentType,
+    OverpaymentEffect,
+    ScheduleRow,
+    SimulationRequest,
+    SimulationResponse,
+    Summary,
+)
 
 
 def _round_money(value: float) -> float:
     return round(max(value, 0.0) + 1e-9, 2)
 
 
-def _rate_for_month(req: SimulationRequest, month: int) -> float:
+def _add_months(base: date, months: int, day: int) -> date:
+    month_index = base.month - 1 + months
+    year = base.year + month_index // 12
+    month = month_index % 12 + 1
+    return date(year, month, min(day, 28))
+
+
+def _easter(year: int) -> date:
+    a = year % 19
+    b = year // 100
+    c = year % 100
+    d = b // 4
+    e = b % 4
+    f = (b + 8) // 25
+    g = (b - f + 1) // 3
+    h = (19 * a + b - d - g + 15) % 30
+    i = c // 4
+    k = c % 4
+    l = (32 + 2 * e + 2 * i - h - k) % 7
+    m = (a + 11 * h + 22 * l) // 451
+    month = (h + l - 7 * m + 114) // 31
+    day = ((h + l - 7 * m + 114) % 31) + 1
+    return date(year, month, day)
+
+
+def _polish_holidays(year: int) -> set[date]:
+    easter = _easter(year)
+    return {
+        date(year, 1, 1),
+        date(year, 1, 6),
+        easter,
+        easter + timedelta(days=1),
+        date(year, 5, 1),
+        date(year, 5, 3),
+        easter + timedelta(days=60),
+        date(year, 8, 15),
+        date(year, 11, 1),
+        date(year, 11, 11),
+        date(year, 12, 25),
+        date(year, 12, 26),
+    }
+
+
+def _is_business_day(value: date) -> bool:
+    return value.weekday() < 5 and value not in _polish_holidays(value.year)
+
+
+def _move_to_business_day(value: date, enabled: bool) -> date:
+    if not enabled:
+        return value
+    while not _is_business_day(value):
+        value += timedelta(days=1)
+    return value
+
+
+def _due_date_for_month(req: SimulationRequest, month: int) -> date:
+    raw = _add_months(req.loan_start_date, month, req.due_day)
+    return _move_to_business_day(raw, req.move_due_date_to_business_day)
+
+
+def _historical_map(req: SimulationRequest) -> dict[int, HistoricalMonth]:
+    return {item.month: item for item in req.historical_months}
+
+
+def _rate_for_month(req: SimulationRequest, month: int, historical: dict[int, HistoricalMonth] | None = None) -> float:
+    historical = historical or _historical_map(req)
+    hist = historical.get(month)
+    if hist and hist.annual_rate is not None:
+        return hist.annual_rate
+
     changes = sorted(req.rate_changes, key=lambda x: x.month)
     rate = req.base_rate + req.margin
     for change in changes:
@@ -19,6 +99,11 @@ def _rate_for_month(req: SimulationRequest, month: int) -> float:
     return rate
 
 
+def _grace_for_month(req: SimulationRequest, month: int, historical: dict[int, HistoricalMonth]) -> GraceType:
+    hist = historical.get(month)
+    return hist.grace_type if hist else GraceType.none
+
+
 def _monthly_payment(balance: float, monthly_rate: float, months_left: int) -> float:
     if months_left <= 0:
         return balance
@@ -28,89 +113,140 @@ def _monthly_payment(balance: float, monthly_rate: float, months_left: int) -> f
     return balance * monthly_rate * factor / (factor - 1)
 
 
-def _overpayment_for_month(req: SimulationRequest, month: int) -> float:
+def _scheduled_overpayment_for_month(req: SimulationRequest, month: int) -> tuple[float, float]:
     total = 0.0
+    fee = 0.0
     for op in req.overpayments:
         until = op.until_month or month
+        active = False
         if op.repeat == "once" and month == op.month:
-            total += op.amount
+            active = True
         elif op.repeat == "monthly" and month >= op.month and month <= until:
-            total += op.amount
+            active = True
         elif op.repeat == "yearly" and month >= op.month and month <= until and (month - op.month) % 12 == 0:
+            active = True
+        if active:
             total += op.amount
-    return total
+            fee += op.amount * op.commission_percent / 100
+    return total, fee
+
+
+def _historical_overpayment_for_month(historical: dict[int, HistoricalMonth], month: int) -> tuple[float, float]:
+    hist = historical.get(month)
+    if not hist or hist.overpayment <= 0:
+        return 0.0, 0.0
+    return hist.overpayment, hist.overpayment * hist.overpayment_commission_percent / 100
+
+
+def _overpayment_for_month(req: SimulationRequest, month: int, historical: dict[int, HistoricalMonth]) -> tuple[float, float]:
+    scheduled_amount, scheduled_fee = _scheduled_overpayment_for_month(req, month)
+    hist_amount, hist_fee = _historical_overpayment_for_month(historical, month)
+    return scheduled_amount + hist_amount, scheduled_fee + hist_fee
 
 
 def _simulate_raw(req: SimulationRequest, include_overpayments: bool = True) -> list[ScheduleRow]:
     balance = float(req.principal)
     total_months = int(req.years * 12)
     rows: list[ScheduleRow] = []
-    fixed_payment = None
+    fixed_payment: float | None = None
-    recalculation_month = 1
     month = 1
+    previous_due = req.loan_start_date
+    historical = _historical_map(req)
+    previous_rate: float | None = None
+    cumulative_interest = 0.0
+    cumulative_cost = 0.0
+    cumulative_overpayment = 0.0
 
     while balance > 0.005 and month <= total_months + 600:
         months_left = max(total_months - month + 1, 1)
-        annual_rate = _rate_for_month(req, month)
+        due_date = _due_date_for_month(req, month)
-        monthly_rate = annual_rate / 100 / 12
+        days = max((due_date - previous_due).days, 1)
-        interest = balance * monthly_rate
+        annual_rate = _rate_for_month(req, month, historical)
+        daily_rate = annual_rate / 100 / 365
+        formula_monthly_rate = annual_rate / 100 / 12
+        interest = balance * daily_rate * days
+        grace_type = _grace_for_month(req, month, historical)
 
         if req.installment_type == InstallmentType.equal:
-            if fixed_payment is None or req.overpayment_effect == OverpaymentEffect.lower_payment:
+            needs_recalc = fixed_payment is None or annual_rate != previous_rate
-                fixed_payment = _monthly_payment(balance, monthly_rate, months_left)
+            if include_overpayments and req.overpayment_effect == OverpaymentEffect.lower_payment:
+                needs_recalc = True
+            if needs_recalc:
+                fixed_payment = _monthly_payment(balance, formula_monthly_rate, months_left)
             payment = fixed_payment
             principal_part = max(payment - interest, 0.0)
         else:
             principal_base = req.principal / total_months
             if req.overpayment_effect == OverpaymentEffect.lower_payment:
-                active_months_left = max(total_months - month + 1, 1)
+                principal_base = balance / months_left
-                principal_base = balance / active_months_left
             payment = principal_base + interest
             principal_part = principal_base
 
+        if grace_type == GraceType.interest_only:
+            principal_part = 0.0
+            payment = interest
+        elif grace_type == GraceType.full:
+            principal_part = 0.0
+            payment = 0.0
+            interest = 0.0
+
         if principal_part > balance:
             principal_part = balance
             payment = interest + principal_part
 
         balance -= principal_part
 
-        overpayment = _overpayment_for_month(req, month) if include_overpayments else 0.0
+        overpayment = 0.0
-        overpayment = min(overpayment, balance)
+        overpayment_fee = 0.0
-        balance -= overpayment
+        if include_overpayments:
+            requested_overpayment, requested_fee = _overpayment_for_month(req, month, historical)
+            overpayment = min(requested_overpayment, balance)
+            overpayment_fee = requested_fee * (overpayment / requested_overpayment) if requested_overpayment > 0 else 0.0
+            balance -= overpayment
+
+        cumulative_interest += interest
+        cumulative_overpayment += overpayment
+        cumulative_cost += interest + overpayment_fee
 
         rows.append(ScheduleRow(
             month=month,
+            due_date=due_date.isoformat(),
+            days=days,
             rate=round(annual_rate, 4),
             payment=_round_money(payment),
             principal_part=_round_money(principal_part),
             interest_part=_round_money(interest),
             overpayment=_round_money(overpayment),
+            overpayment_fee=_round_money(overpayment_fee),
             remaining=_round_money(balance),
+            grace_type=grace_type,
+            cumulative_interest=_round_money(cumulative_interest),
+            cumulative_cost=_round_money(cumulative_cost),
+            cumulative_overpayment=_round_money(cumulative_overpayment),
         ))
 
         if include_overpayments and overpayment > 0 and req.overpayment_effect == OverpaymentEffect.lower_payment:
             fixed_payment = None
-            recalculation_month = month + 1
-
-        if include_overpayments and overpayment > 0 and req.overpayment_effect == OverpaymentEffect.shorten:
-            # przy skroceniu okresu rata zostaje z grubsza taka sama; petla zakonczy sie szybciej
-            pass
 
+        previous_due = due_date
+        previous_rate = annual_rate
         month += 1
-        if month - recalculation_month > 1200:
-            break
 
     return rows
 
 
 def simulate(req: SimulationRequest) -> SimulationResponse:
     actual = _simulate_raw(req, include_overpayments=True)
-    baseline_req = req.model_copy(update={"overpayments": []})
+    baseline_req = req.model_copy(update={"overpayments": [], "historical_months": [
+        h.model_copy(update={"overpayment": 0.0, "overpayment_commission_percent": 0.0})
+        for h in req.historical_months
+    ]})
     baseline = _simulate_raw(baseline_req, include_overpayments=False)
 
     total_interest = sum(r.interest_part for r in actual)
     total_overpayment = sum(r.overpayment for r in actual)
-    total_paid = sum(r.payment + r.overpayment for r in actual)
+    total_overpayment_fees = sum(r.overpayment_fee for r in actual)
+    total_paid = sum(r.payment + r.overpayment + r.overpayment_fee for r in actual)
     baseline_interest = sum(r.interest_part for r in baseline)
     payments = [r.payment for r in actual]
 
@@ -119,11 +255,13 @@ def simulate(req: SimulationRequest) -> SimulationResponse:
         total_paid=_round_money(total_paid),
         total_interest=_round_money(total_interest),
         total_overpayment=_round_money(total_overpayment),
-        interest_saved=_round_money(baseline_interest - total_interest),
+        total_overpayment_fees=_round_money(total_overpayment_fees),
+        interest_saved=_round_money(baseline_interest - total_interest - total_overpayment_fees),
         months_saved=max(len(baseline) - len(actual), 0),
         baseline_interest=_round_money(baseline_interest),
         baseline_months=len(baseline),
         average_payment=_round_money(sum(payments) / len(payments)) if payments else 0,
         max_payment=_round_money(max(payments)) if payments else 0,
+        payoff_date=actual[-1].due_date if actual else None,
     )
     return SimulationResponse(schedule=actual, summary=summary)

app/static/app.js

@@ -2,12 +2,17 @@ const $ = (id) => document.getElementById(id);
 const money = (v) => new Intl.NumberFormat('pl-PL', { style: 'currency', currency: 'PLN', maximumFractionDigits: 0 }).format(v || 0);
 const num = (id) => Number($(id).value || 0);
 
-let lineChart, pieChart, barChart;
+let lineChart, pieChart, barChart, detailChart;
 let socket;
 let debounceTimer;
 let lastRequest = null;
 window.lastSimulationData = null;
 
+function todayIso() {
+  const d = new Date();
+  return d.toISOString().slice(0, 10);
+}
+
 function setTheme(theme) {
   document.body.dataset.theme = theme;
   localStorage.setItem('mortgage-theme', theme);
@@ -43,9 +48,22 @@ function buildRequest() {
     month: Number(row.querySelector('[data-field="month"]').value || 1),
     amount: Number(row.querySelector('[data-field="amount"]').value || 0),
     repeat: row.querySelector('[data-field="repeat"]').value,
-    until_month: Number(row.querySelector('[data-field="until"]').value || 0) || null
+    until_month: Number(row.querySelector('[data-field="until"]').value || 0) || null,
+    commission_percent: Number(row.querySelector('[data-field="commission"]').value || 0)
   })).filter(x => x.month > 0 && x.amount > 0);
 
+  const historicalMonths = [...document.querySelectorAll('#historicalMonths .dynamic-row')].map(row => {
+    const rateRaw = row.querySelector('[data-field="rate"]').value;
+    return {
+      month: Number(row.querySelector('[data-field="month"]').value || 1),
+      annual_rate: rateRaw === '' ? null : Number(rateRaw),
+      grace_type: row.querySelector('[data-field="grace"]').value,
+      overpayment: Number(row.querySelector('[data-field="overpayment"]').value || 0),
+      overpayment_commission_percent: Number(row.querySelector('[data-field="commission"]').value || 0),
+      note: row.querySelector('[data-field="note"]').value || ''
+    };
+  }).filter(x => x.month > 0);
+
   return {
     principal: num('principal'),
     years: num('years'),
@@ -53,8 +71,12 @@ function buildRequest() {
     base_rate: num('baseRate'),
     installment_type: $('installmentType').value,
     overpayment_effect: $('overpaymentEffect').value,
+    loan_start_date: $('loanStartDate').value || todayIso(),
+    due_day: num('dueDay') || 5,
+    move_due_date_to_business_day: $('moveDueDate').checked,
     rate_changes: rateChanges,
-    overpayments: overpayments
+    overpayments: overpayments,
+    historical_months: historicalMonths
   };
 }
 
@@ -68,7 +90,7 @@ function recalc() {
 
 function addRateRow(month = 13, rate = 7.0) {
   const div = document.createElement('div');
-  div.className = 'dynamic-row';
+  div.className = 'dynamic-row rate-row';
   div.innerHTML = `
     <div><label class="form-label">Od miesiąca</label><input data-field="month" type="number" min="1" class="form-control form-control-sm" value="${month}"></div>
     <div><label class="form-label">Oproc. roczne %</label><input data-field="rate" type="number" step="0.01" class="form-control form-control-sm" value="${rate}"></div>
@@ -79,14 +101,15 @@ function addRateRow(month = 13, rate = 7.0) {
   recalc();
 }
 
-function addOverpaymentRow(month = 12, amount = 10000, repeat = 'once', until = '') {
+function addOverpaymentRow(month = 12, amount = 10000, repeat = 'once', until = '', commission = 0) {
   const div = document.createElement('div');
   div.className = 'dynamic-row overpay';
   div.innerHTML = `
     <div><label class="form-label">Miesiąc</label><input data-field="month" type="number" min="1" class="form-control form-control-sm" value="${month}"></div>
     <div><label class="form-label">Kwota</label><input data-field="amount" type="number" min="1" class="form-control form-control-sm" value="${amount}"></div>
+    <div><label class="form-label">Prowizja %</label><input data-field="commission" type="number" min="0" step="0.01" class="form-control form-control-sm" value="${commission}"></div>
     <div><label class="form-label">Powtarzaj</label><select data-field="repeat" class="form-select form-select-sm"><option value="once">raz</option><option value="monthly">co miesiąc</option><option value="yearly">co rok</option></select></div>
-    <div><label class="form-label">Do mies.</label><input data-field="until" type="number" min="1" class="form-control form-control-sm" value="${until}"></div>
+    <div><label class="form-label">Do mies.</label><input data-field="until" type="number" min="1" class="form-control form-control-sm" value="${until || ''}"></div>
     <button class="btn btn-sm btn-outline-danger" type="button">Usuń</button>`;
   div.querySelector('[data-field="repeat"]').value = repeat;
   div.querySelector('button').onclick = () => { div.remove(); recalc(); };
@@ -95,21 +118,41 @@ function addOverpaymentRow(month = 12, amount = 10000, repeat = 'once', until =
   recalc();
 }
 
+function addHistoricalRow(month = 1, rate = '', grace = 'none', overpayment = 0, commission = 0, note = '') {
+  const div = document.createElement('div');
+  div.className = 'dynamic-row historical';
+  div.innerHTML = `
+    <div><label class="form-label">Miesiąc</label><input data-field="month" type="number" min="1" class="form-control form-control-sm" value="${month}"></div>
+    <div><label class="form-label">Oproc. %</label><input data-field="rate" type="number" step="0.01" class="form-control form-control-sm" value="${rate ?? ''}" placeholder="auto"></div>
+    <div><label class="form-label">Karencja</label><select data-field="grace" class="form-select form-select-sm"><option value="none">brak</option><option value="interest_only">tylko odsetki</option><option value="full">pełna</option></select></div>
+    <div><label class="form-label">Nadpłata</label><input data-field="overpayment" type="number" min="0" class="form-control form-control-sm" value="${overpayment || 0}"></div>
+    <div><label class="form-label">Prow. %</label><input data-field="commission" type="number" min="0" step="0.01" class="form-control form-control-sm" value="${commission || 0}"></div>
+    <div><label class="form-label">Opis</label><input data-field="note" type="text" class="form-control form-control-sm" value="${String(note || '').replaceAll('"', '&quot;')}"></div>
+    <button class="btn btn-sm btn-outline-danger" type="button">Usuń</button>`;
+  div.querySelector('[data-field="grace"]').value = grace || 'none';
+  div.querySelector('button').onclick = () => { div.remove(); recalc(); };
+  div.querySelectorAll('input,select').forEach(x => x.addEventListener('input', recalc));
+  $('historicalMonths').appendChild(div);
+  recalc();
+}
+
 function render(data) {
   window.lastSimulationData = data;
   const s = data.summary;
   $('summaryCards').innerHTML = [
     ['Odsetki', money(s.total_interest)],
-    ['Oszczędność', money(s.interest_saved)],
+    ['Oszczędność netto', money(s.interest_saved)],
     ['Nadpłaty', money(s.total_overpayment)],
+    ['Prowizje', money(s.total_overpayment_fees)],
     ['Okres', `${s.months} mies. / ${Math.ceil(s.months / 12)} lat`],
+    ['Data spłaty', s.payoff_date || '-'],
     ['Skrócenie', `${s.months_saved} mies.`],
     ['Średnia rata', money(s.average_payment)]
-  ].map(([label, value]) => `<div class="col-6 col-md-4 col-xxl-2"><div class="card border-0 shadow-sm stat-card"><div class="card-body py-3"><div class="stat-label">${label}</div><div class="stat-value">${value}</div></div></div></div>`).join('');
+  ].map(([label, value]) => `<div class="col-6 col-md-4 col-xxl-3"><div class="card border-0 shadow-sm stat-card"><div class="card-body py-3"><div class="stat-label">${label}</div><div class="stat-value">${value}</div></div></div></div>`).join('');
 
-  $('resultText').textContent = `Dzięki nadpłatom w wysokości ${money(s.total_overpayment)} oszczędzasz około ${money(s.interest_saved)} na odsetkach. Kredyt kończy się po ${s.months} miesiącach zamiast ${s.baseline_months}. Łącznie płacisz ${money(s.total_paid)}, z czego odsetki to ${money(s.total_interest)}.`;
+  $('resultText').textContent = `Dzięki nadpłatom ${money(s.total_overpayment)} oszczędność netto wynosi około ${money(s.interest_saved)} po uwzględnieniu prowizji ${money(s.total_overpayment_fees)}. Kredyt kończy się ${s.payoff_date || '—'} po ${s.months} miesiącach zamiast ${s.baseline_months}. Odsetki: ${money(s.total_interest)}.`;
 
-  $('scheduleTable').innerHTML = data.schedule.slice(0, 180).map(r => `<tr><td>${r.month}</td><td>${r.rate.toFixed(2)}%</td><td>${money(r.payment)}</td><td>${money(r.principal_part)}</td><td>${money(r.interest_part)}</td><td>${money(r.overpayment)}</td><td>${money(r.remaining)}</td></tr>`).join('');
+  $('scheduleTable').innerHTML = data.schedule.slice(0, 240).map(r => `<tr><td>${r.month}</td><td>${r.due_date}</td><td>${r.days}</td><td>${r.rate.toFixed(2)}%</td><td>${money(r.payment)}</td><td>${money(r.principal_part)}</td><td>${money(r.interest_part)}</td><td>${money(r.overpayment)}</td><td>${money(r.overpayment_fee)}</td><td>${money(r.cumulative_cost)}</td><td>${money(r.remaining)}</td></tr>`).join('');
 
   renderCharts(data);
 }
@@ -119,6 +162,10 @@ function renderCharts(data) {
   const labels = data.schedule.map(r => r.month);
   const balance = data.schedule.map(r => r.remaining);
   const payment = data.schedule.map(r => r.payment);
+  const principal = data.schedule.map(r => r.principal_part);
+  const interest = data.schedule.map(r => r.interest_part);
+  const cumulativeCost = data.schedule.map(r => r.cumulative_cost);
+  const overpayments = data.schedule.map(r => r.overpayment);
   const yearly = new Map();
   data.schedule.forEach(r => {
     const year = Math.ceil(r.month / 12);
@@ -135,7 +182,7 @@ function renderCharts(data) {
   pieChart?.destroy();
   pieChart = new Chart($('pieChart'), {
     type: 'pie',
-    data: { labels: ['Kapitał', 'Odsetki', 'Nadpłaty'], datasets: [{ data: [lastRequest.principal, data.summary.total_interest, data.summary.total_overpayment] }] },
+    data: { labels: ['Kapitał', 'Odsetki', 'Nadpłaty', 'Prowizje'], datasets: [{ data: [lastRequest.principal, data.summary.total_interest, data.summary.total_overpayment, data.summary.total_overpayment_fees] }] },
     options: { responsive: true, maintainAspectRatio: false }
   });
 
@@ -145,6 +192,20 @@ function renderCharts(data) {
     data: { labels: [...yearly.keys()].map(x => `Rok ${x}`), datasets: [{ label: 'Odsetki', data: [...yearly.values()] }] },
     options: { responsive: true, maintainAspectRatio: false, scales: { y: { beginAtZero: true } } }
   });
+
+  detailChart?.destroy();
+  detailChart = new Chart($('detailChart'), {
+    data: {
+      labels,
+      datasets: [
+        { type: 'bar', label: 'Kapitał w racie', data: principal, stack: 'rata', yAxisID: 'y' },
+        { type: 'bar', label: 'Odsetki w racie', data: interest, stack: 'rata', yAxisID: 'y' },
+        { type: 'bar', label: 'Nadpłata', data: overpayments, stack: 'rata', yAxisID: 'y' },
+        { type: 'line', label: 'Koszt narastająco', data: cumulativeCost, yAxisID: 'y1' }
+      ]
+    },
+    options: { responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false }, scales: { x: { stacked: true }, y: { stacked: true, beginAtZero: true }, y1: { position: 'right', beginAtZero: true, grid: { drawOnChartArea: false } } } }
+  });
 }
 
 async function download(endpoint, filename) {
@@ -158,6 +219,51 @@ async function download(endpoint, filename) {
   URL.revokeObjectURL(url);
 }
 
+function exportJson() {
+  const blob = new Blob([JSON.stringify(buildRequest(), null, 2)], { type: 'application/json' });
+  const url = URL.createObjectURL(blob);
+  const a = document.createElement('a');
+  a.href = url;
+  a.download = 'parametry-kredytu.json';
+  a.click();
+  URL.revokeObjectURL(url);
+}
+
+function clearRows() {
+  $('rateChanges').innerHTML = '';
+  $('overpayments').innerHTML = '';
+  $('historicalMonths').innerHTML = '';
+}
+
+function applyRequest(data) {
+  $('principal').value = data.principal ?? 600000;
+  $('years').value = data.years ?? 25;
+  $('margin').value = data.margin ?? 2;
+  $('baseRate').value = data.base_rate ?? 5.75;
+  $('installmentType').value = data.installment_type ?? 'equal';
+  $('overpaymentEffect').value = data.overpayment_effect ?? 'shorten';
+  $('loanStartDate').value = data.loan_start_date ?? todayIso();
+  $('dueDay').value = data.due_day ?? 5;
+  $('moveDueDate').checked = data.move_due_date_to_business_day ?? true;
+  clearRows();
+  (data.rate_changes || []).forEach(x => addRateRow(x.month, x.annual_rate));
+  (data.overpayments || []).forEach(x => addOverpaymentRow(x.month, x.amount, x.repeat, x.until_month || '', x.commission_percent || 0));
+  (data.historical_months || []).forEach(x => addHistoricalRow(x.month, x.annual_rate ?? '', x.grace_type || 'none', x.overpayment || 0, x.overpayment_commission_percent || 0, x.note || ''));
+  recalc();
+}
+
+function importJsonFile(file) {
+  const reader = new FileReader();
+  reader.onload = () => {
+    try {
+      applyRequest(JSON.parse(reader.result));
+    } catch (e) {
+      alert(`Nie udało się wczytać JSON: ${e.message}`);
+    }
+  };
+  reader.readAsText(file, 'utf-8');
+}
+
 async function loadNbp() {
   const btn = $('loadNbp');
   const old = btn.textContent;
@@ -176,14 +282,19 @@ async function loadNbp() {
   }
 }
 
-['principal','years','baseRate','margin','installmentType','overpaymentEffect'].forEach(id => $(id).addEventListener('input', recalc));
+['principal','years','baseRate','margin','installmentType','overpaymentEffect','loanStartDate','dueDay','moveDueDate'].forEach(id => $(id).addEventListener('input', recalc));
 $('addRate').onclick = () => addRateRow();
 $('addOverpayment').onclick = () => addOverpaymentRow();
+$('addHistorical').onclick = () => addHistoricalRow();
 $('exportCsv').onclick = () => download('/api/export/csv', 'symulacja-kredytu.csv');
 $('exportPdf').onclick = () => download('/api/export/pdf', 'symulacja-kredytu.pdf');
+$('exportJson').onclick = exportJson;
+$('importJson').onclick = () => $('jsonFile').click();
+$('jsonFile').onchange = (e) => e.target.files?.[0] && importJsonFile(e.target.files[0]);
 $('loadNbp').onclick = loadNbp;
+$('loanStartDate').value = todayIso();
 initTheme();
 
-addOverpaymentRow(24, 20000, 'once', '');
+addOverpaymentRow(24, 20000, 'once', '', 0);
-addOverpaymentRow(36, 500, 'monthly', 120);
+addOverpaymentRow(36, 500, 'monthly', 120, 0);
 connectWs();

app/static/index.html

@@ -18,8 +18,11 @@
         <div class="d-flex gap-2 flex-wrap justify-content-end">
           <button id="themeToggle" class="btn btn-outline-secondary btn-sm" type="button" aria-label="Przełącz motyw">☀️ Jasny</button>
           <button id="loadNbp" class="btn btn-outline-primary btn-sm">Pobierz stopę NBP</button>
+          <button id="exportJson" class="btn btn-outline-secondary btn-sm">Eksport JSON</button>
+          <button id="importJson" class="btn btn-outline-secondary btn-sm">Import JSON</button>
           <button id="exportCsv" class="btn btn-outline-secondary btn-sm">CSV</button>
           <button id="exportPdf" class="btn btn-primary btn-sm">PDF</button>
+          <input id="jsonFile" type="file" accept="application/json,.json" hidden>
         </div>
       </div>
     </header>
@@ -60,6 +63,20 @@
                   <option value="lower_payment">Zmniejszenie raty</option>
                 </select>
               </div>
+              <div class="col-6">
+                <label class="form-label">Data startu kredytu</label>
+                <input id="loanStartDate" type="date" class="form-control form-control-sm">
+              </div>
+              <div class="col-6">
+                <label class="form-label">Dzień spłaty raty</label>
+                <input id="dueDay" type="number" min="1" max="28" class="form-control form-control-sm" value="5">
+              </div>
+              <div class="col-12">
+                <label class="form-check small mb-0">
+                  <input id="moveDueDate" class="form-check-input" type="checkbox" checked>
+                  <span class="form-check-label">Przesuwaj spłatę na pierwszy dzień roboczy, jeśli wypada w dzień wolny</span>
+                </label>
+              </div>
             </div>
 
             <hr>
@@ -75,6 +92,16 @@
               <button id="addOverpayment" class="btn btn-sm btn-outline-primary">+</button>
             </div>
             <div id="overpayments" class="stack"></div>
+
+            <hr>
+            <div class="d-flex justify-content-between align-items-center mb-2">
+              <div>
+                <h3 class="h6 mb-0">Kredyt historyczny</h3>
+                <div class="text-muted small">Miesięczne oprocentowanie, karencja i faktyczne nadpłaty</div>
+              </div>
+              <button id="addHistorical" class="btn btn-sm btn-outline-primary">+</button>
+            </div>
+            <div id="historicalMonths" class="stack"></div>
           </div>
         </div>
       </section>
@@ -106,6 +133,14 @@
               </div>
             </div>
           </div>
+          <div class="col-12">
+            <div class="card shadow-sm border-0 chart-card">
+              <div class="card-body">
+                <h2 class="h6">Podział raty i koszt narastająco</h2>
+                <canvas id="detailChart"></canvas>
+              </div>
+            </div>
+          </div>
           <div class="col-12">
             <div class="card shadow-sm border-0">
               <div class="card-body">
@@ -119,7 +154,7 @@
               <div class="card-body table-responsive">
                 <h2 class="h6">Harmonogram</h2>
                 <table class="table table-sm align-middle mb-0">
-                  <thead><tr><th>Mies.</th><th>Oproc.</th><th>Rata</th><th>Kapitał</th><th>Odsetki</th><th>Nadpłata</th><th>Saldo</th></tr></thead>
+                  <thead><tr><th>Mies.</th><th>Data</th><th>Dni</th><th>Oproc.</th><th>Rata</th><th>Kapitał</th><th>Odsetki</th><th>Nadpłata</th><th>Prow.</th><th>Koszt nar.</th><th>Saldo</th></tr></thead>
                   <tbody id="scheduleTable"></tbody>
                 </table>
               </div>

app/static/styles.css

@@ -27,13 +27,13 @@
 }
 
 body[data-theme="dark"] {
-  --bg: #05070d;
+  --bg: #03050a;
   --text: #e5e7eb;
-  --card: #0d1422;
+  --card: #0b1220;
   --muted: #9aa7bb;
-  --border: #10192a;
+  --border: #2a3547;
-  --row: #111a2b;
+  --row: #101827;
-  --input-bg: #070b13;
+  --input-bg: #050914;
   --input-text: #e5e7eb;
   --table-border: #3b4658;
 }
@@ -100,14 +100,15 @@ body {
   padding: .55rem;
   border-radius: 12px;
 }
-.dynamic-row.overpay { grid-template-columns: .75fr 1fr .9fr .75fr auto; }
+.dynamic-row.overpay { grid-template-columns: .75fr 1fr .75fr .9fr .75fr auto; }
+.dynamic-row.historical { grid-template-columns: .65fr .8fr 1fr .9fr .7fr 1.2fr auto; }
 .stat-card { border-radius: 16px; }
 .stat-value { font-size: 1.15rem; font-weight: 700; }
 .table { font-size: .84rem; }
 .btn { border-radius: 999px; }
 
 @media (max-width: 768px) {
-  .dynamic-row, .dynamic-row.overpay { grid-template-columns: 1fr 1fr; }
+  .dynamic-row, .dynamic-row.overpay, .dynamic-row.historical { grid-template-columns: 1fr 1fr; }
   .dynamic-row button { grid-column: span 2; }
 }
 
@@ -115,3 +116,34 @@ body {
 body[data-theme="dark"] .card { box-shadow: 0 14px 38px rgba(0, 0, 0, .34) !important; }
 body[data-theme="dark"] .btn-outline-secondary { border-color: var(--border); color: var(--text); }
 body[data-theme="dark"] .btn-outline-primary { border-color: #52637a; }
+
+.form-check-input { background-color: var(--input-bg); border-color: var(--border); }
+body[data-theme="dark"] hr { border-color: var(--border); opacity: 1; }
+
+@media (min-width: 1200px) {
+  .slim-card {
+    max-height: calc(100vh - 2rem);
+    display: flex;
+    flex-direction: column;
+  }
+
+  .slim-card > .card-body {
+    overflow-y: auto;
+    overscroll-behavior: contain;
+    scrollbar-gutter: stable;
+    padding-right: 1rem;
+  }
+}
+
+.slim-card > .card-body::-webkit-scrollbar {
+  width: 6px;
+}
+
+.slim-card > .card-body::-webkit-scrollbar-thumb {
+  background: rgba(255, 255, 255, 0.18);
+  border-radius: 999px;
+}
+
+.slim-card > .card-body::-webkit-scrollbar-thumb:hover {
+  background: rgba(255, 255, 255, 0.28);
+}

requirements.txt

@@ -5,3 +5,4 @@ httpx==0.28.1
 beautifulsoup4==4.12.3
 reportlab==4.2.5
 python-multipart==0.0.20
+openpyxl>=3.1.5